J.P. Morgan Asset Management Survey Reveals Plan Sponsors' Commitment to Proactive Retirement Strategies and Financial Wellness Programs
J.P. Morgan (NYSE:JPM) has released its sixth U.S. defined contribution plan sponsor survey, revealing strong commitment to employee financial wellness. The survey of 750 U.S. plan sponsors shows that 83% feel strongly responsible for employees' financial well-being.
Key findings indicate that 49% of sponsors now favor proactive plan design, while 80% believe their plans should generate retirement income, with 61% considering adding in-plan income options this year. The survey also highlights generational challenges, with only 22% of plan sponsors confident in Gen X employees' retirement savings adequacy.
The research emphasizes the need for enhanced financial wellness programs, improved participant education, and strategic implementation of SECURE 2.0 regulations to adapt to modern workforce needs.
J.P. Morgan (NYSE:JPM) ha pubblicato il suo sesto sondaggio rivolto ai sponsor dei piani di contribuzione definita negli Stati Uniti, evidenziando un forte impegno verso il benessere finanziario dei dipendenti. Il sondaggio, che ha coinvolto 750 sponsor di piani statunitensi, mostra che l'83% si sente fortemente responsabile del benessere finanziario dei propri dipendenti.
I risultati principali indicano che il 49% degli sponsor preferisce ora un design proattivo del piano, mentre l'80% ritiene che i loro piani dovrebbero garantire un reddito pensionistico, con il 61% che sta considerando di aggiungere opzioni di reddito all'interno del piano quest'anno. Il sondaggio evidenzia anche sfide generazionali, con solo il 22% degli sponsor che si sente sicuro dell'adeguatezza dei risparmi pensionistici dei dipendenti della Generazione X.
La ricerca sottolinea la necessit脿 di potenziare i programmi di benessere finanziario, migliorare l'educazione dei partecipanti e implementare strategicamente le normative SECURE 2.0 per adattarsi alle esigenze della forza lavoro moderna.
J.P. Morgan (NYSE:JPM) ha publicado su sexta encuesta a patrocinadores de planes de contribuci贸n definida en EE. UU., revelando un fuerte compromiso con el bienestar financiero de los empleados. La encuesta, realizada a 750 patrocinadores de planes estadounidenses, muestra que el 83% se siente fuertemente responsable del bienestar financiero de sus empleados.
Los hallazgos clave indican que el 49% de los patrocinadores ahora prefieren un dise帽o proactivo del plan, mientras que el 80% cree que sus planes deben generar ingresos para la jubilaci贸n, y el 61% est谩 considerando a帽adir opciones de ingresos dentro del plan este a帽o. La encuesta tambi茅n destaca desaf铆os generacionales, ya que solo el 22% de los patrocinadores conf铆a en la suficiencia de los ahorros para la jubilaci贸n de los empleados de la Generaci贸n X.
La investigaci贸n enfatiza la necesidad de mejorar los programas de bienestar financiero, la educaci贸n de los participantes y la implementaci贸n estrat茅gica de las regulaciones SECURE 2.0 para adaptarse a las necesidades de la fuerza laboral moderna.
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J.P. Morgan (NYSE:JPM) a publi茅 sa sixi猫me enqu锚te aupr猫s des sponsors de plans 脿 cotisations d茅finies aux 脡tats-Unis, r茅v茅lant un fort engagement envers le bien-锚tre financier des employ茅s. L'enqu锚te men茅e aupr猫s de 750 sponsors am茅ricains montre que 83 % se sentent fortement responsables du bien-锚tre financier de leurs employ茅s.
Les principales conclusions indiquent que 49 % des sponsors privil茅gient d茅sormais une conception proactive des plans, tandis que 80 % estiment que leurs plans devraient g茅n茅rer un revenu de retraite, 61 % envisageant d'ajouter des options de revenu au sein du plan cette ann茅e. L'enqu锚te met 茅galement en lumi猫re des d茅fis g茅n茅rationnels, seulement 22 % des sponsors 茅tant confiants dans l'ad茅quation des 茅conomies de retraite des employ茅s de la g茅n茅ration X.
La recherche souligne la n茅cessit茅 d'am茅liorer les programmes de bien-锚tre financier, l'茅ducation des participants et la mise en 艙uvre strat茅gique des r茅glementations SECURE 2.0 pour r茅pondre aux besoins de la main-d'艙uvre moderne.
J.P. Morgan (NYSE:JPM) hat seine sechste Umfrage unter US-amerikanischen Sponsoren von beitragsorientierten Pl盲nen ver枚ffentlicht und dabei ein starkes Engagement f眉r das finanzielle Wohlbefinden der Mitarbeiter gezeigt. Die Umfrage unter 750 US-Plan-Sponsoren zeigt, dass 83 % sich stark verantwortlich f眉r das finanzielle Wohlergehen der Mitarbeiter f眉hlen.
Wesentliche Erkenntnisse zeigen, dass 49 % der Sponsoren jetzt ein proaktives Plan-Design bevorzugen, w盲hrend 80 % glauben, dass ihre Pl盲ne Renteneinkommen generieren sollten, und 61 % erw盲gen, in diesem Jahr einkommensbasierte Optionen innerhalb des Plans hinzuzuf眉gen. Die Umfrage hebt auch generationenbedingte Herausforderungen hervor, da nur 22 % der Plan-Sponsoren zuversichtlich in die Angemessenheit der Altersvorsorge der Generation X sind.
Die Forschung betont die Notwendigkeit verbesserter Programme f眉r finanzielles Wohlbefinden, einer besseren Teilnehmerbildung und der strategischen Umsetzung der SECURE 2.0-Regelungen, um den Bed眉rfnissen der modernen Belegschaft gerecht zu werden.
- 83% of plan sponsors acknowledge responsibility for employee financial wellness
- 49% of sponsors adopt proactive approach to plan design with higher satisfaction rates
- 61% of sponsors considering adding in-plan income options in 2025
- Survey scope includes comprehensive data from 750 plan sponsors
- Over half of plan sponsors are unaware of their fiduciary roles
- One-third lack understanding of their target date funds despite widespread use
- Critical programs like emergency savings and debt management remain under-implemented
- Less than half express high satisfaction with providers' educational efforts
The survey highlights how generational differences within workforces influence plan sponsors in addressing the unique needs of Gen X, Millennials, and Gen Z, each offering distinct perspectives on retirement planning. Notably, only
"Our 2025 Plan Sponsor Survey highlights a shift in retirement planning with plan sponsors recognizing the need for proactive strategies to enhance participant outcomes," said聽Alyson Frost, Head of Retirement Insights at J.P. Morgan Asset Management. "The findings emphasize the important role of financial wellness programs in boosting employee productivity and engagement. Plan sponsors are committed to providing the necessary tools and education for long-term financial security, and we anticipate further adoption of innovative strategies to聽meet the diverse needs of today's workforce."
Key Findings
- Commitment to Financial Wellness: Over
80% of plan sponsors acknowledge their role in supporting employee financial wellness, with many expanding benefits accordingly. However, critical programs, such as emergency savings, student loan debt assistance and debt management benefits, remain under-implemented, particularly among smaller employers. - Proactive Plan Design: Nearly half (
49% ) of respondents now favor a proactive approach to plan design reporting higher satisfaction across key measures, including participation and contribution rates, investment performance and participation education quality. Despite this progress, there is still opportunity to continue to increase contribution percentages and participant engagement. - Expanding Responsibilities: Plan sponsors face growing responsibilities, highlighting a need for more education. Over half are unaware of their fiduciary roles, and one-third lacking understanding of their target date funds (TDFs), despite their widespread use. Nearly
80% believe their plans should generate retirement income, with61% considering adding in-plan income options this year.
Action Steps for Plan Sponsors
To maximize the effectiveness of their offering, plan sponsors should consider embracing proactive plan design strategies that cater to the diverse needs of a multi-generational workforce, including leveraging automatic features and investment defaults to enhance participant engagement and satisfaction. As retirement income solutions become increasingly central to DC plans, plan sponsors are encouraged to establish clear objectives for in-plan solutions, carefully assessing which products best align with their goals and participant demographics to meet the growing demand for income-generating investments.
Enhancing participant education and communication is also crucial, as fewer than half of respondents express high satisfaction with their providers' efforts in this area. By streamlining the participant experience through seamless integration of educational resources and robust communication strategies, plan sponsors can empower participants to make informed decisions, particularly during critical phases such as onboarding and retirement preparation.
"Our survey highlights the importance for plan sponsors to refine their offerings by embracing thoughtful design and making strategic investments, which can greatly enhance participants' retirement readiness," said Meghan Conklin, Vice President, Retirement Insights, at J.P. Morgan Asset Management. "Understanding how regulatory advancements, such as SECURE 2.0, can be leveraged effectively in plan design is crucial, ensuring that options not only complement but also adapt to a more modern workforce."
For more information about the survey findings, please visit the DC Plan Sponsor Survey Findings dedicated聽.
Methodology
From January 7 through January 31, 2025, we partnered with Greenwald Research, a market research firm based in
About J.P. Morgan Asset Management
J.P. Morgan Asset Management, with assets under management of聽
JPMorgan Chase & Co. (NYSE:聽JPM) is a leading financial services firm based in聽the聽United States聽of America聽("
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SOURCE J.P. Morgan Asset Management
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